SBA lending by metro area
SBA lenders in St. Louis, MO
Which lenders fund St. Louis-area businesses, how much, and how the market compares with Missouri: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the St. Louis area
Ranked by SBA volume funded to businesses located in the St. Louis metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Midwest Regional Bank | 384 | $307.4M | $800K | 8.07% |
| 2 | St. Charles County Economic Development Council | 472 | $304.6M | $645K | not reported |
| 3 | Busey Bank | 212 | $183.0M | $863K | 4.72% |
| 4 | Small Business Growth Corporation | 246 | $182.2M | $741K | not reported |
| 5 | Live Oak Banking Company | 100 | $145.7M | $1.5M | 1.00% |
| 6 | U.S. Bank, National Association | 1,096 | $145.2M | $133K | 5.02% |
| 7 | STL Partnership CDC | 157 | $110.8M | $705K | not reported |
| 8 | American Bank of Freedom | 123 | $109.5M | $891K | 0.00% |
| 9 | St. Louis Bank | 117 | $103.7M | $886K | 0.00% |
| 10 | Rural Missouri, Inc. | 94 | $99.4M | $1.1M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How St. Louis compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| St. Louis area | $218K ▲ 11.8% | 14.4% ▲ 3.5 pts |
| Missouri | $195K | 10.9% |
| United States | $179K | 11.2% |
What gets funded in St. Louis
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 953 | $594.9M |
| Manufacturing | 644 | $506.1M |
| Retail Trade | 822 | $392.6M |
| Health Care and Social Assistance | 697 | $330.8M |
| Professional and Technical Services | 692 | $299.0M |
| Other Services | 796 | $292.8M |
| Wholesale Trade | 383 | $282.3M |
| Construction | 893 | $264.4M |
SBA lending in St. Louis by year
Geography, precisely
"St. Louis area" here means the St. Louis, MO-IL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Bond County, IL; Calhoun County, IL; Clinton County, IL; Franklin County, MO; Jefferson County, MO; Jersey County, IL; Lincoln County, MO; Macoupin County, IL; Madison County, IL; Monroe County, IL; St. Charles County, MO; St. Clair County, IL; St. Louis County, MO; St. Louis city, MO; Warren County, MO. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.